Green Construction Loan

Get Australia's lowest rate construction loan discount when you go green.
Multi-award winning
awards awards awards

Green Construction

6.43
%
p.a
Rates from++
6.68
%
p.a
Comparison rate*
Discounted green construction rate
Interest Only during construction
Available for building or renovation
No monthly, annual or ongoing fees
Our Google Rating
4.5
428 reviews

Why Choose This Loan?

Discounted green construction rate

Save yourself thousands in interest while saving the environment with the discounted green home loan rate.

Interest Only during construction

Pay interest only repayments during the construction period.

No monthly or ongoing fees

Having zero recurring fees means you save thousands over the course of your loan.

No application fee

As an online lender, we save in overhead costs and pass those savings directly on to you. So, we don't charge you an application fee.

Ready to Start Saving on Your Home Loan?

You'll be taken to the pre-qualify page where we get you into seeing if you’re eligible for a loan.

Do I Qualify?

What Other Customers Are Saying

Exceptional service!

Exceptional service! Grateful to Ray for guiding us through the home loan process for our first home. His expertise, responsiveness, and personalised approach made everything smooth. Highly recommend. Thank you Ray and team.

Mary H.
18 Mar 2024

Very easy process

Very easy process with a friendly lending manager to guide you through.

Helen D.
25 Feb 2024

A big thanks to loans.com.au

My experience in getting a loan from Loans.com.au has been great. I think I was also fortunate in getting a highly experienced loan officer Ray Glowacki who was able to evaluate the circumstance and offer me the most suitable product.

FRANK D.
31 Jan 2024

Extremely helpful

Ray has been extremely helpful in setting up my refinance, he made the process so easy and was happy to take the time to answer all my questions. Thanks Ray!

Tamara W.
17 Jan 2024

Helpful!

Ray was an absolute pleasure to work with. His knowledge and years of experience meant he was able to assess our complex situation to find the best outcome for us. Ray thank you so much for your help and support every step of the way!

Samantha S.
16 Dec 2023

Professional and less stressful application

A big thanks to Ray and his team for making this process seamless. Professional advice and communication throughout the process. Professional and less stressful application than with any other we have been involved in before.

Gareth W.
12 Dec 2023

Great customer service!

Great customer service, thanks Ray!

Chris W.
19 Nov 2023

Simply amazing!

Ray was simply amazing! He took on my crazy timing request and helped drive the process to conclusion. Took some of the stress out of purchasing a property!

Clive G.
14 Nov 2023

Quick efficient and friendly!

Incredible company that has 10/10 customer service. Quick efficient and friendly!.

Gdenma G.
21 Sep 2023

Would highly recommend

Ray couldn’t have made the process of refinancing any easier for us. Would highly recommend.

Scott B.
21 Aug 2023

Excellent People, Cheap rates, fast process

Excellent People, Cheap rates, fast process. I had to arrange finance in 2 weeks and they sorted it out. Rena has been extremely helpful.

Sam S.
26 Jul 2023

Incredible experience

Had full formal approval within 10 days from applying online. Hassle free, transparent and above all else a really competitive interest rate. Thanks all for making an incredibly stressful and high stakes event so seamless. HIGHLY recommend!

Tim D.
25 Jul 2023

It's Fast & Easy to Get a Loan with loans.com.au

1

Apply online

Simply fill out your car loan application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

2

Speak to a specialist

You will then have an phone appointment with one of our lending specialists to finalise your application, and help you progress through the car loan approval process through to settlement as quickly as possible.

3

Upload documents (OnTrack)

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

4

Settle & save

Your loan will settle and you'll start saving with your new loan rate, and get your keys to your new dream car!

Need to Know More? Here's the Whole Offer

Rates

Green Construction

Interest Only Rate:

6.43% p.a.

Comparison Rate:

6.68% p.a.

Max LVR:

90%

Green Construction Investor

Interest Only Rate:

6.94% p.a.

Comparison Rate:

7.19% p.a.

Max LVR:

90%

Key Features

10% deposit minimum

Up to 30 years loan term

Refinance or purchase

No monthly or ongoing fees

Offset account available after completion

Additional repayments available after completion

Repayments

Frequency

Weekly, monthly or fortnightly

Estimated repayments

$3,137 per month

The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.43% p.a. paying principal and interest.

Fees

Application fee

$0

Ongoing fees

$0

Security assessment fee

$230

Government fees

At cost

Settlement fee

$300

Green Construction

Interest Only Rate:

Comp Rate:

Max LVR:

6.43% p.a.
 

6.68% p.a.
 

90%

Green Construction Investor

Interest Only Rate:

Comp Rate:

Max LVR:

6.94% p.a.
 

7.19% p.a.
 

90%

10% deposit minimum

Up to 30 years loan term

Refinance or purchase

No monthly or ongoing fees

Offset account available after completion

Additional repayments available after completion

Frequency

Weekly, monthly or fortnightly

Estimated repayments

$3,137 per month

The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.43% p.a. paying principal and interest.

Application fee

$0

Ongoing fees

$0

Security assessment fee

$230

Government fees

At cost

Settlement fee

$300

2024 WeMoney - Best for Value (Refinance) 2023 WeMoney - Best Value for Variable 2024 Mozo - Expert's Choice for Green Home Loan Gold Award - Best Green Home Loan 2022 WeMoney - Outstanding Customer Service
Our home loan products are recognised & awarded by the Australian financial industry

Work out your loan repayments

Use our home loan calculator to estimate what your monthly mortgage repayments could be.

Your loan details

%
years

Estimated loan repayments

$3,137   per month
$500,000
$667,010

Frequently asked questions

To qualify, we require a NatHERS certificate by an accredited assessor, showing a 7.0 star rating or higher. Your builder can assist you in getting a NatHERS certificate from accredited assessor with your building plans.

The rates are discounted on your variable rate loan for 5 years from settlement date (up to 0.96%***). You can choose from Principal & Interest or up to 5 years of interest-only repayments.

Yes, the Green Construction Loan can be for extensive green renovations, pending the home meets the NatHERS requirements then we can apply the green construction discount.

The Nationwide House Energy Rating Scheme (NatHERS) is a star rating system (out of ten) that rates the energy efficiency of a home, based on its design. Star ratings are based on information about the home's design, construction materials and the climate where it is being built.

An example of a NatHERS certificate may be useful when looking at what elements of your home require the Certificate Check.

Yes, there may be situations in which you could lost the discount as stated in the terms and conditions in the loan, if there are any material changes to the original loan. This includes but is not limited to change in security, occupancy type, and repayments type.

Ready to Start Saving?

You'll be taken to the pre-qualify page where we get you into seeing if you’re eligible for a loan.

Do I Qualify?
TAP to chat!